Section 80D — Tax Saving Guide
Health insurance sirf health protection nahi — yeh tax bhi bachata hai! Section 80D ke under aap health insurance premium ka deduction claim kar sakte hain.
Deduction Limits (FY 2025-26)
| For Whom | Deduction Limit |
|---|---|
| Self + Family (below 60) | ₹25,000 |
| Self + Family (above 60) | ₹50,000 |
| Parents (below 60) | ₹25,000 |
| Parents (above 60) | ₹50,000 |
Maximum Deduction Examples
Example 1: You (35) + Parents (65)
Self: ₹25,000
Parents: ₹50,000
Total: ₹75,000
Example 2: You (65) + Parents (70)
Self: ₹50,000
Parents: ₹50,000
Total: ₹1,00,000
Important Points
Cash payment pe deduction nahi milta (except preventive checkup)
Premium employer ne pay kiya toh aapko deduction nahi milega
Multi-year policy ka deduction proportionally spread hota hai
Super Top-Up ka premium bhi 80D mein claim hai
Key Takeaways
Self + family ke liye ₹25,000 deduction under 80D
Senior citizen parents ke liye additional ₹50,000 deduction
Total maximum deduction: ₹75,000 (self + senior parents)
Preventive health checkup ke liye ₹5,000 within overall limit
Premium parents ke naam pe bhi aap claim kar sakte hain
IRDAI Disclaimer
Insurance is a subject matter of solicitation. The information provided in this article is for educational purposes only and does not constitute financial advice. Policy terms, conditions, and premiums may vary. Please read the policy document carefully and consult a certified insurance advisor before making any purchase decisions.